/* ===== FINANZAS Y SEGUROS — Mini framework para subpáginas ===== */
:root{
  --c-bg:#F5F7FB;
  --c-surface:#FFFFFF;
  --c-text:#06101F;
  --c-muted:#4B5E78;
  --c-primary:#0F4C81;       /* Azul corporativo profundo */
  --c-secondary:#2563EB;     /* Azul acento */
  --c-accent:#DCE7FF;        /* Azul muy claro / gris azulado */
  --r-xl:20px; --r-lg:14px; --r-md:10px;
  --sh-1:0 8px 24px rgba(8,28,66,.10);
  --sh-2:0 14px 36px rgba(8,28,66,.16);
  --font-body:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  --font-heading:'Playfair Display',serif;
}
*{box-sizing:border-box}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--c-text);
  background:var(--c-bg);
  line-height:1.7;
  -webkit-font-smoothing:antialiased;
}
a{color:inherit; text-decoration:none}
.container{max-width:1100px; margin:0 auto; padding:0 22px}
.prose{font-size:1.075rem; color:var(--c-muted)}
.prose h1,.prose h2,.prose h3{
  font-family:var(--font-heading);
  color:var(--c-text);
  line-height:1.12;
}
.prose h1{font-size:clamp(34px,5vw,52px); margin:0 0 10px}
.prose h2{font-size:clamp(24px,4vw,34px); margin:26px 0 10px}
.prose h3{font-size:clamp(19px,3.2vw,26px); margin:22px 0 8px}
.prose p{margin:0 0 14px}

/* Resaltado en azul */
.hl{
  background:linear-gradient(90deg,rgba(15,76,129,.18),rgba(37,99,235,.18));
  padding:.05em .35em;
  border-radius:.45em;
  font-weight:700;
  color:#061636;
}

/* Header simple */
.header{
  position:sticky;
  top:0;
  z-index:10;
  background:rgba(255,255,255,.9);
  backdrop-filter:blur(8px) saturate(140%);
  border-bottom:1px solid rgba(6,16,31,.08);
}
.header-inner{
  height:66px;
  display:flex;
  align-items:center;
  justify-content:space-between;
}
.brand{
  display:flex;
  align-items:center;
  gap:10px;
  font-weight:800;
}
.brand-badge{
  width:38px;
  height:38px;
  border-radius:50%;
  display:grid;
  place-items:center;
  color:#fff;
  background:conic-gradient(from 120deg,#0F4C81,#2563EB,#4F46E5,#0F4C81);
  box-shadow:inset 0 0 12px rgba(255,255,255,.35),0 8px 18px rgba(15,76,129,.25);
}
.nav{display:flex; align-items:center; gap:4px}
.nav > a, .nav .nav-link{
  padding:8px 12px;
  border-radius:10px;
  font-weight:600;
  color:#1C3153;
  display:inline-flex;
  align-items:center;
  gap:6px;
  text-decoration:none;
}
.nav > a:hover, .nav .nav-link:hover{background:#E2ECFF}
.nav .nav-caret{font-size:.72rem; transition:transform .2s}
.nav-item.has-dropdown{position:relative}
.nav-item.has-dropdown:hover > .nav-link .nav-caret,
.nav-item.has-dropdown.open > .nav-link .nav-caret{transform:rotate(180deg)}
.nav-dropdown{
  position:absolute;
  top:100%;
  left:0;
  min-width:240px;
  background:#fff;
  border-radius:12px;
  box-shadow:0 14px 34px rgba(15,76,129,.16), 0 2px 6px rgba(15,76,129,.08);
  padding:8px;
  display:none;
  flex-direction:column;
  gap:2px;
  z-index:100;
  border:1px solid #E2ECFF;
}
.nav-item.has-dropdown:hover > .nav-dropdown,
.nav-item.has-dropdown.open > .nav-dropdown{display:flex}
.nav-dropdown a{
  display:flex;
  align-items:center;
  gap:10px;
  padding:10px 12px;
  border-radius:8px;
  color:#1C3153;
  font-weight:600;
  font-size:.92rem;
  text-decoration:none;
}
.nav-dropdown a:hover{background:#F1F5FE; color:#0F4C81}
.nav-dropdown a i{color:#2563EB; width:18px; text-align:center}

.nav-toggle{
  display:none;
  background:transparent;
  border:none;
  font-size:1.4rem;
  color:#0F4C81;
  cursor:pointer;
  padding:6px 10px;
}

@media (max-width:900px){
  .nav-toggle{display:block}
  .header .nav{
    display:none;
    position:absolute;
    top:100%;
    left:0;
    right:0;
    background:#fff;
    flex-direction:column;
    align-items:stretch;
    padding:12px;
    gap:4px;
    box-shadow:0 12px 28px rgba(15,76,129,.18);
    border-top:1px solid #E2ECFF;
  }
  .header.nav-open .nav{display:flex}
  .header-inner{position:relative}
  .nav .nav-link{padding:12px 14px; justify-content:space-between}
  .nav-item.has-dropdown{position:static}
  .nav-dropdown{
    position:static;
    box-shadow:none;
    border:none;
    background:#F1F5FE;
    margin:4px 0 6px;
    padding:6px;
  }
}

/* Hero mini con parallax opcional (aplicar data-bg-image) */
.hero-mini{
  position:relative;
  padding:90px 0 70px;
  overflow:hidden;
  color:#07152B;
}
.hero-mini::before{
  content:"";
  position:absolute;
  inset:0;
  background:var(--hero-bg, linear-gradient(180deg,#EAF1FF 0%,#F5F7FB 100%));
  z-index:-2;
}
.hero-mini[data-bg-image]::before{
  background-image:linear-gradient(rgba(234,241,255,.94),rgba(245,247,251,.94)), var(--hero-img);
  background-size:cover;
  background-position:center;
  background-attachment:fixed;
}
.kicker{
  display:inline-block;
  font-weight:800;
  color:var(--c-primary-dark, #0F4C81);
  background:rgba(15,76,129,.12);
  padding:6px 12px;
  border-radius:999px;
  letter-spacing:.3px;
}
.hero-mini h1{margin:12px 0 8px}

/* Contenido */
.section{padding:64px 0}
.card{
  background:var(--c-surface);
  border-radius:var(--r-lg);
  padding:22px;
  box-shadow:var(--sh-1);
}
.callout{
  border-left:5px solid var(--c-primary);
  background:#ffffff;
  padding:16px 18px;
  border-radius:12px;
  box-shadow:var(--sh-1);
  color:#1B315C;
}

/* Botones (para CTA y para la grilla de la principal) */
.btn{
  display:inline-flex;
  align-items:center;
  gap:10px;
  border:0;
  cursor:pointer;
  font-weight:800;
  padding:12px 18px;
  border-radius:14px;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn-primary{
  background:linear-gradient(135deg,#0F4C81,#2563EB);
  color:#F9FBFF;
  box-shadow:0 12px 26px rgba(15,76,129,.28);
}
.btn-primary:hover{
  transform:translateY(-2px);
}
.btn-ghost{
  background:rgba(16,42,107,.08);
  color:#102A6B;
  border:1px solid rgba(16,42,107,.22);
}
.btn-ghost:hover{
  background:rgba(16,42,107,.14);
}

/* Grilla de enlaces en la página principal */
.btn-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:14px;
}
.btn-link{
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  padding:16px;
  border-radius:14px;
  font-weight:800;
  color:#07152B;
  background:linear-gradient(135deg,rgba(15,76,129,.12),rgba(37,99,235,.12));
  border:1px solid rgba(15,76,129,.22);
  box-shadow:var(--sh-1);
}
.btn-link:hover{
  transform:translateY(-2px);
  box-shadow:var(--sh-2);
}

/* Iconos grandes (asegurar azul corporativo) */
.icon-xl,
.icon-xl.fa-solid,
.icon-xl.fa-regular,
.icon-xl.fa-brands{
  color:var(--c-primary) !important;
}

/* Responsive */
@media (max-width:992px){
  .btn-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:560px){
  .btn-grid{grid-template-columns:1fr}
}